Tariff Sme Corpo 01 06 2022

Tariff of Banking
Fees and Commissions

of mBank for SME
and Corporates
(consolidated text – effective from June 1, 2022)
mBank.pl
Table of Contents
General Provisions................................................................................................................................................................................................................................................................. 3
I. Bank Accounts.......................................................................................................................................................................................................................................................... 4
A. Bank accounts and cash transactions......................................................................................................................................................................................... 4
B. International transfers............................................................................................................................................................................................................................. 9
C. Electronic banking systems................................................................................................................................................................................................................ 11
D. Issuing and servicing payment cards......................................................................................................................................................................................... 13
E. Package for Small and Medium-sized Enterprises........................................................................................................................................................... 22
F. Other Account Service.......................................................................................................................................................................................................................... 24
II. Bills of Exchange/Promissory Notes......................................................................................................................................................................................................... 25
III. Loans.............................................................................................................................................................................................................................................................................. 26
IV. Multi-product limits............................................................................................................................................................................................................................................. 27
V. Trade Finance........................................................................................................................................................................................................................................................... 27
VI. Guarantees, Counter-guarantees, Sureties, Stand-by Letters of Credit........................................................................................................................... 28
VII. Letters of Credit...................................................................................................................................................................................................................................................... 29
A. mBank Documentary Letters of Credit.................................................................................................................................................................................... 29
B. non-mBank Documentary Letters of Credit......................................................................................................................................................................... 30
C. Other activities performed in connection with handling mBank or non-mBank documentary letters of credit................ 31
VIII. Documentary Collection................................................................................................................................................................................................................................... 31
IX. Custody Services.................................................................................................................................................................................................................................................... 32
X. Miscellaneous........................................................................................................................................................................................................................................................... 32
XI. SME Packages Withdrawn from the Bank’s Offer.......................................................................................................................................................................... 35
A. Flexible Package for Small and Medium-sized Enterprises offered until 27 September 2019........................................................... 35
B. SME Packages offered until 24 October 2014....................................................................................................................................................................... 36
C. SME Packages offered until 5 May 2009.................................................................................................................................................................................. 38
XII. Lump sum telecommunications fees.................................................................................................................................................................................................... 40
General Provisions
1. The Tariff of Banking Fees and Commissions of mBank for SME and Corporates, hereinafter referred to as the “Tariff”, sets out the amounts
and rules for calculation and collection by mBank S.A. of fees and commissions for banking services and other services which are ordered
by or rendered to:
a) resident entrepreneurs, organisational units with legal personality and organisational units without legal personality, excluding banks;
b) non-residents, excluding natural persons and foreign banks.
2. The following terms used in the Tariff mean as follows:
a) Bank mBank S.A.;
a business day at the Bank is the day when the Bank is open for Clients, i.e. every day from Monday
b) business day
to Friday, excluding public holidays or days the Bank previously announced to be holidays;
an entity assigned by the Bank to the SME and Corporates category: a resident entrepreneur,
organisational unit with legal personality or organisational unit without legal personality
c) Client
(excluding banks) or a non-resident (excluding natural persons and foreign banks) that orders
a banking service or holds an account with the Bank, for whom the Bank performs the service;
an entity assigned by the Bank to a category other than SME and Corporates (excluding banks),
d) retail Client
holding an account with the Bank;
an organisational unit of the Bank which maintains the account of the Client or carries out
e) branch
transactions and activities related with handling the Client’s order.
3. All banking fees and commissions are paid by the Client unless agreed otherwise by the parties to the transaction and approved by the Bank.
Fees and commissions not paid by the other party within 3 months following the calculation date are charged to the Client.
4. Fees and commissions are calculated and charged on the date the transaction is executed or on a monthly, quarterly, or other basis as agreed
with the Client.
5. In individual justifiable cases, the Bank and the Client may agree on fees and commissions and a procedure for calculation of fees and
commissions other than that set out in the Tariff.
6 Fees and commission that were properly calculated and charged are not refundable.
7. Fees and commissions due to the Bank in one currency for a transaction in another currency are set based on the average exchange rate from
the applicable Table of Exchange Rates of mBank S.A.
8. If fees and commissions are charged in a currency other than the one they are calculated in, the amounts are converted using buy/sell rates
from the applicable Table of Exchange Rates of mBank S.A.
9. A respective VAT will be added to fees and commissions referred to in the Tariff as “Net fees and commissions (excluding VAT)”
or “Net commission/s (excluding VAT) or “Net fee/s (excluding VAT)” in line with the applicable provisions of the law.
10. Apart from the fees and commissions set out in the Tariff, the Bank also collects:
a) lump sum fees and commissions for telecommunications services necessary to execute the Client’s orders in accordance with Section
XII hereof;
b) lump sum fees and commissions for postal services necessary to execute the Client’s orders in accordance with the applicable tariff
of Poczta Polska S.A. (“Cennik usług powszechnych w obrocie krajowym i zagranicznym Poczty Polskiej S.A.”);
c) fees for courier services (if requested by the Client);
d) fees and commissions calculated by foreign and domestic banks acting as intermediaries in the execution of the Client’s orders;
e) other fees charged by persons and institutions acting as intermediaries in executing the transaction, e.g. a protest, legal opinion.
11. Fees and commissions for non-standard services not listed in the Tariff are calculated and charged in line with the Bank’s decision.
12. If the Bank applies a special, labour-intensive procedure to execute the Client’s order or, at the Client’s request, refrains from applying terms
and conditions specified in standard agreements applicable at the Bank, which requires legal and technical analyses and opinions, it may
increase the amount of the commission by 50%.
13. The Bank may charge fees and commissions due at a later date if it did not charge them within the periods specified herein.
14. The Bank notifies the Client of any amendments to this Tariff by making the relevant information available in its outlets, on the mBank Group
website at www.mbank.pl and, additionally, in the manner specified in the agreement concluded with the Client.
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I. Bank Accounts
A. Bank accounts and cash transactions
1. Opening an account for a Client (resident) no fee
2. Opening an account for a Client (non-resident) PLN 3,000.00
3. Account administration: PLN 140.00 (per month)

■ maintenance of a (current and auxiliary) account,
■ unlimited number of transfers between the Client’s accounts within the Bank.

■ unlimited number of transfers between the Client’s accounts within the Bank,
■ maintenance of Auto Overnight – automatic deposit account.

■ unlimited number of transfers between the Client’s accounts within the Bank,
■ maintenance of Auto Overnight – automatic deposit account,
■ consolidation of balances in the selected account of the Client.
NOTE to points 1-5

We do not charge any fees for standard administration of an account of a trade union, a sports club, a charity organisation or a foundation (not engaged
in business operations) and for an account of a company’s social fund.
6. Fee for additional activities related to the special nature PLN 90.00
of service provided to payment service providers (per month)
NOTE
Payment service provider means:
1/ payment institution,
2/ e-money institution,
3/ small payment institution,
4/ EU payment institution,
5/ EU e-money institution,
6/ payment service office,
as per the Payment Services Act of 19 August 2011 providing payment services on the territory of the Republic of Poland.
7. Bank statements:
a) electronic statement no fee
b) paper statement PLN 10.00
NOTE
We calculate the fee for each paper statement and charge it collectively once a month as part of “periodical settlement”.
additionally, at the Client’s request:

c) paper statement PLN 20.00
d) electronic copies of bank statements:
for each bank statement in 1-25 copies PLN 20.00
for each subsequent bank statement in 26-100 copies PLN 10.00
for each subsequent bank statement in 101-250 copies PLN 5.00
bank statements in over 250 copies (regardless of the number of copies) PLN 2,000.00
NOTE
We calculate the fee for each copy of each individual statement (except for the fee for more than 250 electronic copies of bank statements) and charge
it collectively once a month as part of “periodical settlement”. Copies of bank statements are delivered in one form, selected by the Client.
e) bank statement in the SAF-T format (available in mBank CompanyNet) PLN 50.00
NOTE
We calculate the fee for each individual statement (an XML file with up to 15,000 transactions) and charge collectively once a month as part
of “periodical settlement”.
The Bank draws up a bank statement in the SAF-T format based on the data included in the bank statements (specified in point a or b). This statement
provides a basis for a bank statement – JPK_WB – to be drawn up by the Client, pursuant to the Tax Ordinance Act (Article 193a).
8. Cash deposits in the Bank’s branch, sorting office and night safe
Type of deposit In the Bank’s branch In the sorting office/night safe
Open cash deposit in PLN to own account – % of the deposited amount 1%, min. PLN 30.00 N/A
Open cash deposit (banknotes) in the account currency (other than

1%, min. PLN 30.00 N/A
PLN) to own account – % of the deposited amount
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Type of deposit In the Bank’s branch In the sorting office/night safe
Closed cash deposit in PLN to own account – % of the deposited amount 0.5%, min. PLN 30.00 0.25%, min. PLN 15.00
Closed cash deposit (banknotes) in the account currency (other than

1%, min. PLN 30.00 0.8%, min. PLN 15.00
PLN) to own account – % of the deposited amount
Closed cash deposit (coins) in the account currency (other than PLN)
N/A 50%, min. PLN 30.00
to own account – % of the deposited amount
Cash deposit in PLN to the account of a third party held with the Bank
1%, min. PLN 50.00 N/A
– % of the deposited amount
Cash deposit (banknotes) in the account currency (other than PLN)

to the account of a third party held with the Bank – % of the 1%, min. PLN 50.00 N/A
deposited amount
Cash deposit (coins) in the account currency (other than PLN) to the
50%, min. PLN 50.00 N/A
account of a third party held with the Bank – % of the deposited amount
Additional commission on deposits including over 100 coins 5% of the amount deposited in coins
Additional commission on unsorted deposits 0.5% of the deposited amount
NOTE
The commissions are quoted net, VAT exclusive.
9. Open cash deposit in PLN at a post office – % of the deposited amount 0.5% min. PLN 10.00
NOTE
The commission is quoted net, VAT exclusive.
10. Closed cash deposit in PLN at a post office – % of the deposited amount 0.4% min. PLN 15.00
NOTE
11. Request for an open cash withdrawal in PLN at a post office PLN 35.00
NOTE
12. Failure to timely collect a requested open cash withdrawal at a post office PLN 10.00
for reasons on the part of the Client
NOTE
13. Cash withdrawals in the Bank’s branch and the sorting office
Type of withdrawal In the Bank’s branch In the sorting office
Open cash withdrawal in PLN from own account, both subject and not subject
0.4%, min. PLN 30.00 N/A
to prior request, executed in a standard time limit – % of the withdrawn amount
Open cash withdrawal in the account currency (other than PLN) from own
account, both subject or not subject to prior request, executed in a standard 1%, min. PLN 30.00 N/A
time limit – % of the withdrawn amount
Closed cash withdrawal in PLN from own account, subject to prior request,
0.2%, min. PLN 30.00 0.15%, min. PLN 10.00
executed in a standard time limit – % of the withdrawn amount
Closed cash withdrawal in the account currency (other than PLN), subject
1%, min. PLN 30.00 1%, min. PLN 10.00
to prior request, executed in a standard time limit – % of the withdrawn amount
Closed cash withdrawal in the account currency (other than PLN) from own
account, subject to prior request, executed faster than in a standard time limit 2%, min. PLN 30.00 2%, min. PLN 20.00
(provided that the Bank has available funds) – % of the withdrawn amount
Failure to collect a requested cash withdrawal for reasons on the part

0.5%, min. PLN 50.00 N/A
of the Client – % of the ordered withdrawal amount
Accepting the following orders, submitted in paper or by fax:

■ order for cash withdrawal from own account, subject to prior request, PLN 30.00 N/A
■ order for closed cash withdrawal
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NOTE
Conditions for the execution of open and closed cash withdrawals subject to prior request:
1/ for PLN, EUR and USD for an amount of more than PLN 20,000 / EUR 500 / USD 500, the Client submits the request by 10.00 a.m. one business
day before the withdrawal,
2/ for the remaining currencies regardless of the amount, the Client submits the request by 10.00 a.m. two business days before the withdrawal.
The commissions and fees are quoted net, VAT exclusive.
14. Accepting an order for denominations change submitted in paper or by fax PLN 30.00
15. Cash handling by the back office deposit machine:

a) first option: 1 cash cassette 1200 banknotes, up to 5 collections of cash monthly PLN 1,650.00 (per month)
b) second option: 1 cash cassette 1200 banknotes, up to 10 collections of cash monthly PLN 2,250.00 (per month)
c) third option: 1 cash cassette 2200 banknotes, up to 5 collections of cash monthly PLN 1,900.00 (per month)
d) fourth option: 1 cash cassette 2200 banknotes, up to 10 collections of cash monthly PLN 2,650.00 (per month)
NOTE
We provide the Client with: a banknote dispenser, printer, display, an additional cassette, a power supply. The monthly lump fee includes a fee for:
■ software for the period of using a back office deposit machine,
■ producer’s services for the period of using a back office deposit machine,
■ cash-in-transit service,
■ booking online deposits.
The fees are quoted net, VAT exclusive.
16. PLN transfer – crediting the account:

a) automatically (without the Bank’s manual interference) no fee
b) manually PLN 30.00
NOTE
PLN transfer from another domestic bank via ELIXIR or SORBNET2, the electronic systems for interbank settlements, for the benefit of the Client
holding an account with the Bank is settled automatically if:
1/ the NRB indicated in the transfer is correct,
2/ the account is maintained in PLN.
PLN transfer from another domestic bank via ELIXIR, the electronic systems for interbank settlements, for the benefit of the Client holding an account
with the Bank is settled automatically if:
1/ the NRB indicated in the transfer is correct,
2/ the account is maintained in a currency other than PLN. Booking in this account is performed applying a relevant exchange rate in line with
the valid Table of Exchange Rates of mBank S.A. (currency exchange transaction is executed if, as a result of automatic search for the Client’s
another account in PLN, such an account was not identified and credited).
17. PLN transfer – debiting a PLN account:

a) instructed via the electronic banking system PLN 2.50
b) instructed via a SWIFT MT 101 message PLN 5.00
c) instructed on paper (on a standard form compliant with the PN-F-01101 standard) PLN 35.00
d) instructed on paper (on a non-standard form which does not comply with PLN 15.00
the PN-F-01101 standard) – an additional fee
e) instructed via a SWIFT MT101 message not compliant with the Specification PLN 40.00
– additional fee to point 17b
NOTE
We do not charge any fee for a transfer to the Client’s account with another bank if the transfer consists in returning funds previously transferred from
another bank into a term deposit account with the Bank (unless the deposit is terminated before maturity).
MT101 message, not compliant with the principles and technical requirements of the Bank set out in the “Specification of SWIFT MT 101 format
(Transfer Order)” is not processed automatically. The specification is available on the official website of mBank Group at www.mbank.pl/aktualnosci/
msp-korporacje.
18. PLN transfer via SORBNET2 - debiting the account

a) with PLN 1,000,000.00 or more PLN 18.00 plus the NBP fee
b) less than PLN 1,000,000.00 PLN 45.00 plus the NBP fee
c) instructed via a SWIFT MT101 message not compliant with the Specification PLN 40.00
– additional fee to points 18a and 18b
NOTE
msp-korporacje.
19. Express Elixir instant transfer in PLN – debiting the account PLN 10.00
20. Blue Cash instant transfer in PLN – debiting the account PLN 10.00
21. Direct debit1

a) fee paid by the payee who is the Bank’s Client
■ for accepting a direct debit instruction submitted electronically PLN 1.00
b) fee paid by the payer who is the Bank’s Client
■ for executing a direct debit instruction PLN 2.50
■ for refunding the amount of a direct debit PLN 6.00
■ for cancelling an unexecuted direct debit PLN 6.00
1 applies to Clients who concluded an Agreement on Direct Debit after 14 February 2007.
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22. Postal order with confirmation of receipt executed via the electronic banking system PLN 3.50
(plus postal operator fee)
NOTE
We publish the current value of the postal operator’s fees at https://www.mbank.pl/msp-korporacje/obsluga-biezaca/przelewy-przekazy/
przekaz-pocztowy/.
23. Placing an instruction to cancel a postal money order indicated by the Client PLN 100.00
24. Electronic access to confirmations of receipt of postal money orders PLN 200.00 (per month)
25. Access to a confirmation of receipt of a postal money order indicated by the Client PLN 50.00 (per copy)
26. Client’s written order for the Bank to contact another domestic bank, related to: PLN 200.00
a) enquiry about a domestic payment (outgoing or incoming) plus the other bank’s fees
correctly executed and settled by the Bank
b) identification of an incoming domestic payment
c) applying for return of an outgoing domestic payment correctly executed by the Bank
NOTE:
We collect the fee for each action listed in point 26 a, b and c.
27. Confirmation of a single order executed as part of the Mass Payment/Mass Payment Plus service PLN 30.00
– at the Client’s request
28. Handling incoming transfers from accounts of the Bank’s retail Clients PLN 200.00 (per month)
to closed accounts of SME and Corporate Clients with the Bank
29. Access to the Collect service PLN 1,000.00
30. Access to the Mass Collect service negotiable
31. Providing Collect or Mass Collect mnemonics PLN 100.00
32. Verification and confirmation by the Bank of registration of or failure to register PLN 50.00
an indicated transaction on the Collect or Mass Collect account.
33. Access to Upload, an online app for downloading electronic reports pertaining to the following services: PLN 700.00
Collect, Mass Collect, Direct Debit Plus, e-Zgoda and Postal Order (one-off fee)
34. Preparation of a non-standard Mass Collect Agreement PLN 500.00
35. Amendment to the Agreement on: Collect, Mass Collect, Direct Debit, Direct Debit Plus, e-Zgoda PLN 1,000.00
36. Preparing a trust account agreement on the basis of the documentation proposed negotiable
by the Client – customised agreement version
37. Preparing an escrow account agreement on the basis of the documentation proposed negotiable
by the Client – customised agreement version
38. Maintenance of the Housing Trust Account min. PLN 250.00 (per month)
39. Notifying the Bank by the Client (developer) of concluding a development agreement through providing:
a) a statement on the conclusion of the development agreement no fee
b) an extract of the notarial deed – the development agreement PLN 200,00
40. The Bank’s acknowledgement of the assignment of rights from a sub-account PLN 120.00
of the Housing Trust Account to a bank crediting the purchaser and issuing a relevant statement
41. Maintenance of the total balance
Commission for maintenance of the total balance in all current and auxiliary accounts, Auto Overnight – automatic deposit accounts (ARD),
Auto Overnight – automatic overnight deposits (ALJ) and term deposits.
We calculate the commission on the total balance by adding up the positive balances in the Client’s current and auxiliary accounts,
ARD and ALJ maintained in the same currency, if the total balance exceeds the below thresholds:
Threshold of total balance

The commission on the total The commission
Currency of an account, ARD, which, if exceeded, results
balance if the rates are equal on the total balance
ALJ and a term deposit in charging the commission
to or below zero if the rates are above zero
on the total balance
EUR 100,000 (|€STR| + 0.1 %) / 360 0.1 % / 360
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Threshold of total balance
The commission on the total The commission
Currency of an account, ARD, which, if exceeded, results
balance if the rates are equal on the total balance
ALJ and a term deposit in charging the commission
to or below zero if the rates are above zero
on the total balance
CHF 100,000 (|SARON| + 0.1 %) / 360 0.1 % / 360
USD 100,000 (|SOFR| + 0.2%) / 360 0.2 % / 360
(|CZK 2W Repo Rate| + 1.5 %) /

CZK 1,000,000 1.5 % / 360
360
(|DKK Danmarks Nationalbank

DKK 1,000,000 0.25 % / 360
CD rate| + 0.25 %) / 360
(|Sweden Repo Rate| + 0.5 %)

SEK 1,000,000 0.5 % / 360
/ 360
(|Norway Sight Deposit Rate|

NOK 1,000,000 0.5 % / 360
+ 0.5 %) / 360
HUF 1,000,000 (|BUBOR ON| + 0.5 %) / 360 0.5 % / 360
NOTE:
1/ we calculate the commission for each calendar day and charge it collectively once a month as part of “periodical settlement”. We calculate
the commission using a relevant rate from the previous business day as indicated below:
Currency/Rate Entity developing the rate Website 2
EUR – €STR – Euro Short-Term Rate European Central Bank https://www.ecb.europa.eu/
CHF – SARON – Swiss Average Rate Overnight SIX Swiss Exchange Ltd https://www.six-group.com/
USD – SOFR – Secured Overnight Financing Rate Federal Reserve Bank of New York https://www.newyorkfed.org/
Česká národní banka

CZK – 2W Repo Rate https://www.cnb.cz/
(Narodowy Bank Czeski)
DKK – Danmarks Nationalbank CD rate

Danmarks Nationalbank https://www.nationalbanken.dk/
(certificate of deposits rate)
SEK – Sweden Repo Rate Sveriges Riksbank https://www.riksbank.se/
NOK – Norway Sight Deposit Rate Norges Bank https://www.norges-bank.no/
HUF – BUBOR ON Magyar Nemzeti Bank https://www.mnb.hu/
2/ we calculate the commission in the currency of a given account, ARD or ALJ, and term deposits, i.e. in EUR or CHF or USD or CZK or DKK or SEK
or NOK or HUF,
3/ “|…|” symbol denotes an absolute value, e.g. |€STR| is the absolute value of €STR.
42. Maintaining a total of positive balances exceeding jointly PLN 5 million in all current accounts, auxiliary 0.32% of the total of positive balances
accounts, Auto Overnight – automatic deposit accounts or Auto Overnight – Automatic Overnight in PLN (the entire balance) at the
Deposits, and in term deposits held with the Bank as at the beginning of the first business day of each beginning of the first business
calendar year day of each calendar year in all
current accounts, auxiliary
accounts, Auto Overnight –
automatic deposit accounts
or Auto Overnight – Automatic
Overnight Deposits, and in
the Client’s term deposits held
with the Bank
NOTE
To calculate the total balance, we add up the positive balances of accounts, Auto Overnight deposits and term deposits maintained in currencies
other than PLN – and we convert the balances in other currencies into PLN using the average exchange rate from the applicable Table of Exchange
Rates of mBank S.A.
The Bank calculates the commission at the beginning of the first business day of each calendar year and charges the commission within 30 days
from that date.
If the Client entered into more than one current account agreement or auxiliary account agreement with the Bank or entered into an agreement
on Auto Overnight – automatic deposit account or Auto Overnight – Automatic Overnight Deposit (one or more) with the Bank, or at least one term
deposit agreement, we calculate and charge the commission on the basis of only one current account agreement or auxiliary account agreement
or term deposit agreement with reference to the aggregated positive balances of accounts maintained under all such agreements.
2 Rates are available on the websites of entities developing the rates. The links to websites given above are of an informative nature and are valid as at the publication
date of the Tariff.
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43. Additional commission for balance increase 0.2% of the positive difference
between the sum of positive
balances at the beginning of the
first business day of a calendar
year and the average sum
of positive balances for the
period of two months (November
and December) of the previous
calendar year. The sum of positive
balances is a total of positive
balances in all current accounts,
auxiliary accounts, Auto Overnight
– automatic deposit accounts
or Auto Overnight – Automatic
Overnight Deposits, and in term
deposits held with the Bank.
NOTE
1/ The Bank calculates the commission at the beginning of the first business day of each calendar year and charges the commission within 30 days
from that date,
2/ the commission is calculated based on the positive difference between the sum of positive balances at the beginning of the first business day
of a calendar year and the average sum of positive balances for the period of two months (November and December) of the previous calendar
year. The sum of positive balances is a total of positive balances in all current accounts, auxiliary accounts, Auto Overnight – automatic deposit
accounts or Auto Overnight – Automatic Overnight Deposits, and in term deposits held with the Bank,
3/ we charge the commission if the positive difference referred to in (2) exceeds PLN 20 million,
4/ to calculate the total balance, we add up the positive balances of accounts, Auto Overnight deposits and term deposits maintained in currencies
other than PLN, and convert the balances in other currencies into PLN using the average exchange rate from the applicable Table of Exchange
Rates of mBank S.A.,
5/ if the Client entered into more than one current account agreement or auxiliary account agreement with the Bank or entered into an agreement
on Auto Overnight – automatic deposit account or Auto Overnight – Automatic Overnight Deposit (one or more) with the Bank, or at least one
term deposit agreement, we calculate and charge the commission on the basis of only one current account agreement or auxiliary account
agreement or term deposit agreement with reference to the aggregated positive balances of accounts maintained under all such agreements.
44. Early withdrawal of a term deposit in full or in part – % of the withdrawn amount, calculated as
of the deposit withdrawal date until planned expiry date
a) for PLN deposits 1.5% p.a.
b) for deposits in currencies other than PLN 1.0% p.a.
45. Failure to send funds required to open a term deposit 0.02%, min. PLN 200.00
– of the deposit amount or its equivalent in the currency
of the term deposit
B. International transfers
1. International transfer or a transfer in a foreign currency from another domestic bank to the Client holding an account
with the Bank, with a specified cost option – BEN or SHA (costs of the Bank should be covered by the beneficiary)
and settled by the Bank
a) automatically (transfer in euro from the European Economic Area) no fee
b) automatically (other transfers) PLN 10.00
c) manually PLN 30.00
NOTE
An international transfer or a foreign currency transfer from other domestic bank to a Client holding an account with the Bank is settled automatically,
which means without the Bank’s manual interference, if:
1/ the automatic verification of a payer’s data in accordance with the requirements of the Regulation (EU) 2015/847 of the European Parliament
and of the Council is positive,
2/ the IBAN indicated in the transfer is correct, and
3/ the account currency is compliant with the transfer currency or the booking in this account is performed automatically, applying the appropriate
exchange rate in line with the valid table of exchange rates of the Bank (currency exchange transaction is executed if, as a result of automatic
search for the Client’s main account in the transfer currency, such an account was not identified and credited).
2. PLN transfer to the Client’s account in foreign currency held with the Bank
or a foreign currency transfer to the Client’s account with the Bank
a) booking in the beneficiary’s account is made on the following business day for the Bank at the latest PLN 20.00
b) booking in the beneficiary’s account is made during a given business day for the Bank PLN 30.00
c) instructed via a SWIFT MT101 message not compliant with the Specification PLN 40.00
NOTE to point 2b
Applies to orders submitted via mBank CompanyNet as Internal Foreign Currency Transfers only.
Internal FX Transfer Orders, placed after 7.30 p.m. to bank accounts held by Retail Clients will be posted to the beneficiary’s bank account no later
than on the next business day for the Bank.
NOTE to point 2c
msp-korporacje.
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3. International transfer in a foreign currency or transfer in a foreign currency to an account held with another domestic bank
Value date for the

Order execution mode: Execution of: Of the value transferred:
beneficiary’s bank:
payment instruction not subject to the Payment 0.4%, min. PLN 40.00
Standard D+2
Services Act of 19 August 2011 max. PLN 200.00
payment instruction in BGN, CAD, CHF, CZK, DKK,

0.45%, min. PLN 50.00
Urgent D+1 EUR, GBP, ILS, HRK, HUF, NOK, RON, RUB, SEK,
max. PLN 300.00
TRY, USD and ZAR
Express D payment instruction in EUR, GBP and USD 0.5%, min. PLN 60.00
where D stands for the date of executing the Client’s payment instruction by the Bank
4. International transfer in AUD, CNY, JPY and PLN 0.4%

or a transfer to an account held with another domestic bank in: min. PLN 40.00,
AUD, CNY, JPY – % of the transfer amount max. PLN 200.00
5. Transfer order placed in a paper form – additional fee to point 3 and 4:

a) on a standard form (available in the offices of the Bank) PLN 35.00
b) on a non-standard form (other than that available in the offices of the Bank) PLN 50.00
6. Transfer order which cannot be processed automatically by the Bank – additional fee to point 3 and 4:
a) as it fails to include the BIC code of the beneficiary’s bank PLN 30.00
b) foreign transfer in PLN – as it fails to include selection of SHA cost option, PLN 30.00
c) transfer instructed via a SWIFT MT101 message – as it is not compliant with the Specification PLN 40.00
NOTE
SHA cost option – sending bank’s cost are covered by the person requesting the payment, while costs of third party banks are covered by the
beneficiary
The specification is available on the official website of mBank Group: www.mbank.pl/aktualnosci/msp-korporacje.
We charge additional telecommunication costs (SWIFT) in accordance with Section XII “Lump sum telecommunications fees”.
7. SEPA Credit Transfer /Single Euro Payments Area/ PLN 2.50
NOTE
SEPA Credit Transfer /Single Euro Payments Area/ means:
■ transfer in EUR to a beneficiary’s account held with a bank within the European Union (including other domestic banks)
and:
■ including the account number of the beneficiary according to the IBAN standard
■ defining the cost option – SHA, i.e. costs of the transferring bank are covered by the person requesting the transfer, while costs of third party
banks are covered by the beneficiary
Applies to orders submitted via the electronic banking system from an account of the Client kept in EUR.
SEPA Credit Transfer is only possible if the beneficiary’s bank participates in the SEPA Scheme.
Verification of the participation takes place while ordering the transfer in the electronic banking system.
In accordance with the applicable rules specified for the SEPA Scheme, the maximum settlement period is 1 business day from the day of executing
the Client’s payment instruction by the Bank (D+1) and depends on the manner of executing the Credit Transfer by the beneficiary’s bank.
8. SEPA Credit Transfer Recall PLN 20.00

plus the other bank’s fees
NOTE
SEPA Credit Transfer Recall Order may be submitted via electronic banking system within 13 months from the date of executing the transfer and only
due to the following:
■ invalid account number of the beneficiary,
■ invalid payment amount,
■ at the payer’s request.
In accordance with the applicable rules specified for the SEPA Scheme, the beneficiary’s bank, upon receiving a SEPA Credit Transfer Recall Order,
has 15 business days to consider the Recall Order and provide a negative answer or return the transfer amount.
The beneficiary’s bank may reduce the returned amount by the costs it incurred.
9. EuroEkspres Credit Transfer /Trans-European Automated PLN 45.00

Real-Time Gross Settlement Express Transfer System/
NOTE
EuroEkspres Credit Transfer /Trans-European Automated Real-Time Gross Settlement Express Transfer System/ means:
■ transfer in EUR to a beneficiary’s account held with a bank which is a member of the TARGET2 System
and:
■ including the BIC code of the beneficiary’s bank
■ including the IBAN of the beneficiary
■ defining the cost option – SHA, i.e. costs of the transferring bank are covered by the person requesting the transfer, while costs of third party
banks are covered by the beneficiary
10/40
Applies to orders submitted via the electronic banking system from an account of the Client kept in EUR.
Verification of the beneficiary’s bank’s participation in the TARGET2 System takes place while ordering the transfer in the electronic banking system.
In accordance with the applicable rules specified for the TARGET2 System, the Bank executes the transfer in real time, in express mode, with value
date D for the beneficiary’s bank, where D stands for the date of execution of the Client’s payment instruction by the Bank.
The final manner of execution of an EuroEkspres Credit Transfer depends on the beneficiary’s bank.
We do not charge additional telecommunications fees (SWIFT) for the execution of an EuroEkspres Credit Transfer.
10. Client’s written order for the Bank to contact another bank, related to: PLN 200.00
a) cancelling or changing the payment details of an outgoing international transfer plus the other bank’s fees
b) identifying an incoming international transfer
c) questions regarding an international transfer that has been correctly executed and settled by the Bank
(outgoing or incoming)
NOTE:
We collect the fee for each action listed in 10 a, b and c.
11. Transfer confirmation provided in the form of SWIFT MT103 message PLN 30.00
C. Electronic banking systems
1. Home banking system
1. System installation (for each installation – including installation and reinstallation of upgrades) PLN 450.00 (one-off fee)
2. Internet banking system user training PLN 400.00 (one-off fee)
3. System access (for each installation) PLN 350.00 (per month)
4. Support/consulting services during the system’s integration with the Client’s systems or maintenance
works performed by a Bank’s employee on the Client’s premises connected with improper use
of the system or resulting from other reasons which cannot be attributed to the Bank
a) less than 2 hours PLN 300.00
b) more than 2 hours PLN 500.00
c) daily rate PLN 1,000.00
NOTE
The daily rate is applicable to work amounting to more than 5 hours a day (including the arrival time).
2. mBank CompanyNet – internet banking system
1. Access to the system in accordance with the Client’s instruction no fee
2. Adding a new system user:

a) based on a paper-based application PLN 50.00
b) by the Client in the system no fee
NOTE
We do not collect the fee in the following cases:
a) if the system user is to be granted the system administrator rights,
b) when the application is submitted jointly with an application for access to the system.
3. Modifying authorisations of a system user (regardless of the scope of the modification):

a) based on a paper-based application submitted by the Client PLN 50.00
b) by the Client in the system no fee
NOTE
We do not collect the fee if the system user is to be granted the system administrator rights.
4. Using the system in the variant covering the basic transactional module and:
a) not more than two additional modules – for every system context PLN 60,00 (per month)
b) three to four additional modules – for every system context PLN 120,00 (per month)
c) more than four additional modules – for every system context PLN 180,00 (per month)
NOTE
The basic transactional module includes the following system modules: Accounts, Orders, and Reports. Additional system modules include:
Cash, Cards, Trade Finance, Liquidity Management, Custody Services, Housing Escrow Account, Archive, Depo Plus and any other module introduced
by the Bank after 27 October 2014 (excluding FX mPlatform and the Business News module)
5. Monthly fee for system users:

a) up to two users inclusive no fee
b) more than two users PLN 10.00 (per user)
6. Using the Business News system module PLN 30.00 (per month)
7. Using the FX mPlatform no fee
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8. Internet banking system user training PLN 300.00 (one-off fee)
9. Issuing a Hardware Token PLN 300.00
10. Issuing a QR Token PLN 300.00
11. Using a Hardware Token or QR Token PLN 5.99

(on a monthly basis for each active token
in each context to which
the system user is authorised)
12. Sending a Hardware Token or a QR Token PLN 50.00 (for each shipment)
13. Support/consulting services during the system’s integration with the Client’s systems or maintenance
works performed by a Bank’s employee on the Client’s premises connected with improper use
of the system or resulting from other reasons which cannot be attributed to the Bank
a) less than 2 hours PLN 300.00
b) more than 2 hours PLN 500.00
c) daily rate PLN 1,000.00
NOTE
The daily rate is applicable to work amounting to more than 5 hours a day (including the arrival time).
14. Changing the presentation and operation of the structure of the Client’s Group of Companies in the system PLN 200.00
from context menu to holding (or vice versa) (for every entity being part of the Group’s structure)
15. Using the Mobile Authorisation service no fee
3. mBank CompanyMobile
1. Access to the mBank CompanyMobile service no fee
2. Using the mBank CompanyMobile service no fee
4. Integration Solutions
1. Activation/deactivation of the mBank CompanyConnect service (by the Client) no fee
2. Activation/deactivation of the mBank CompanyConnect service (by the Bank) PLN 50.00
3. Using the mBank CompanyConnect service PLN 50.00 (per month)
4. Service activation and access to the mBank CompanyConnect Classic software PLN 300.00 (one-off fee)
5. Installing the mBank CompanyConnect Classic software (by the Bank) PLN 500,00 (visit)
6. Setting up the mBank CompanyConnect Developer deployment environment PLN 2,000.00 (one-off fee)
7. Preparation of an individual integration solution other than those mentioned in points 1-6 negotiable,
min. PLN 3,000.00 (one-off fee)
8. Using an individual integration solution other than those mentioned in points 1-6 negotiable,
min. PLN 500.00 (per month)
9. Access to the extended order import format (Custom Import) in mBank CompanyNet PLN 1,000.00 (one-off fee)
10. Access to the file conversion software PLN 1,000.00
5. SWIFTNET Korpo service
1. Implementation of the service in the test environment – payable upon completing tests PLN 4,000.00 (one-off fee)
2. Implementation of the service in the production environment 4,000.00 (one-off fee)
3. Using the SWIFTNET Korpo service (including the readiness to deliver PLN 1,000.00 (per month)
MT940, MT 941, MT942 and MT950 statements to the Client’s SWIFT addresses)
4. Single MT940 statement delivered via SWIFT to a single Client’s SWIFT address 12,00 zł
5. Modification of Agreement terms and conditions PLN 50.00 (for each instruction
submitted by the Client)
6. Request for Transfer Service (in an active version)3
1. Implementation of the service PLN 500.00 (one-off fee)
3 an MT101 message can be delivered to another bank only via the electronic banking system of the home banking type
12/40
2. Using the service PLN 100.00 (per month)
3. Adding another bank under the service PLN 200.00 (one-off fee)
4. Other changes in the service parameters PLN 100.00 (one-off fee)
5. Single MT101 message delivered to another bank PLN 5.00
D. Issuing and servicing payment cards
1. Visa Business Debit payWave Card
1. Accepting a paper-based card application PLN 50.00
2. Issuing a card PLN 50.00
3. Monthly card fee PLN 5.00
4. Issuing a copy of the card PLN 30.00
5. Sending a new card or the PIN code to the correspondence address of the card user:
a) by unregistered letter no fee
b) by courier PLN 50.00
6. Checking account balance via ATM – service available at ATMs offering the service PLN 2.50
7. Withdrawing cash at a point of sale (Visa cash back)4 PLN 1.50
8. Withdrawing cash
a) at ATMs operated by:
■ Planet Cash PLN 3.00
■ Euronet in Poland PLN 3.00
■ Santander Bank Polska S.A. PLN 3.00
b) at other ATMs and at banks’ cash desks in Poland 3%, min. PLN 7.00
c) at other ATMs and at banks’ cash desks abroad 3%, min. PLN 7.00
9. Depositing cash in a cash deposit machine of:

a) the Bank 0.3%, min. PLN 5.00
b) Euronet 0.4%, min. PLN 5.00
10. Issuing and submitting a copy of a document confirming a transaction executed:

a) in Poland PLN 20.00
b) abroad PLN 50.00
11. Blocking a card no fee
12. Changing a limit/limits:

a) changing autorisation limit in the electronic form no fee
b) changing autorisation limit in paper form PLN 30.00
13. Converting transactions made in currencies other than PLN 5.9% (of the transaction amount)
2. Mastercard Debit Card in EUR5
6. Withdrawing cash at a point of sale (Mastercard CashBack)4 PLN 2.00
7. Withdrawing cash
a) in Poland 3%, min. PLN 6.00
c) abroad 3%, min. PLN 6.00

b) abroad PLN 50.00
4 For more details visit mBank Group’s website at www.mbank.pl

5 Applies from the moment the Bank has made this card available
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10. Changing autorisation limit/limits in the electronic form no fee
NOTE
We will convert the fees and commissions in PLN using the bank’s exchange rate from the day of their calculation, and we will settle them from the
EUR account linked to the card.
3. Visa Business Świat
7. Withdrawing cash
a) at ATMs operated by:
■ Planet Cash PLN 3.00
■ Euronet in Poland PLN 3.00
■ Santander Bank Polska S.A. PLN 3.00
b) at other ATMs and at banks’ cash desks in Poland 3%, min. PLN 7.00
c) at other ATMs and at banks’ cash desks abroad 3%, min. PLN 7.00

b) abroad PLN 50.00
10. Changing autorisation limit/limits in the electronic form no fee
4. Visa Business payWave Card
2. Issuing a card (each time upon card order) PLN 190.00
3. Annual card fee PLN 190.00
6. Withdrawing cash – % of the transaction value:

b) abroad 3%, min. PLN 7.00
7. Checking the card balance at an ATM – service available in ATMs offering the service PLN 2.50
9. Settling transactions executed with a charge card – % of the transaction value 1.5%
10. Activation of multi-currency card service PLN 20.00 (for each currency)

b) abroad PLN 50.00
13. Card insurance (“Just in case” package) PLN 0.29 (per month)
14. Issuing a card (if the Client withdraws from the Agreement) PLN 100.00

14/40
15. Statement of transactions:
a) in the electronic form no fee
b) in the paper form PLN 20.00
c) copy of the statement of transactions PLN 20.00 (for a settlement period)
d) one-off issuance of a bank statement presenting archived operations PLN 20.00
(concluded a year before and earlier) (for a settlement period)
e) one-off issuance of a non-standard bank statement presenting archived operations7 PLN 200.00
16. Changing PIN at an ATM offering the service PLN 2.00

a) the monthly limit, in the electronic form no fee
b) the monthly limit, in paper form PLN 30.00
c) the authorisation limits, in the electronic form no fee
d) the authorisation limits, in paper form PLN 30.00
18. Converting transactions made in foreign currencies 2.5% (of the transaction amount)
NOTE
In the case of transactions made in foreign currencies we add a commission to the transaction amount. If we activated the multi-currency service
for currencies indicated for a given card, we do not charge any additional commission for currency conversion.
5. Mastercard Corporate PayPass Card


b) abroad PLN 50.00
12. Card insurance (“Just in case” package) PLN 0.29 (per month)
13. Issuing a card (we charge the fee if the Client withdraws from the Agreement) PLN 100.00
14. Statements of transactions:

a) statement of transactions in the electronic form no fee
b) statement of transactions in the paper form PLN 20.00
c) copy of the statement of transactions in the paper form PLN 20.00 (for a settlement period)

c) authorisation limits, in the electronic form no fee
d) authorisation limits, in paper form PLN 30.00
7 A non-standard bank statement presenting archived operations refers to a bank statement issued in line with specific requirements of the Client
15/40
6. Visa Business Gold payWave Card
5. Sending a new card by courier to the correspondence address of the card user no fee


b) abroad PLN 50.00
13. Issuing a card (if the Client withdraws from the Agreement) PLN 150.00
14. Visiting an airport lounge as a participant in the Priority Pass programme USD 32.00 (per person)


NOTE
In the case of transactions made in foreign currencies we add a commission to the transaction amount. If we activated the multi-currency service
for currencies indicated for a given card, we do not charge any additional commission for currency conversion.
7. Mastercard Corporate Gold PayPass Card
6. Withdrawing cash - % of the transaction value:


16/40

b) abroad PLN 50.00
12. Issuing a card (we charge the fee if the Client withdraws from the Agreement) PLN 150.00


8. Visa Business Platinum PayWave Card

9. Settling transactions executed with a charge card – % of the transaction value 0%

b) abroad PLN 50.00
13. Card issue (if the Client withdraws from the Agreement) PLN 250.00

c) copy of the statement of transactions in the paper form PLN 10.00 (for a settlement period)

17/40

NOTE
In the case of transactions made in foreign currencies we add a commission to the transaction amount. If we activated the multi-currency service for
currencies indicated for a given card, we do not charge any additional commission for currency conversion.
9. Visa Business Prepaid Card
2. Monthly card fee negotiable
3. Issuing a card for another period (card renewal) PLN 30.00
4. Checking card balance:

a) over the phone in the Prepaid Cards Service Centre no fee
b) in the On-line Prepaid Cards Service no fee
c) at ATMs offering the service PLN 2.50
5. Sending a card or the PIN code:

c) by courier – bulk delivery (for every 1000 cards or PIN codes) PLN 30.00

a) at domestic ATMs PLN 5.00
b) at ATMs abroad 3%, min. PLN 7.00
c) at cash desks at domestic and foreign banks providing the service 3%, min. PLN 7.00
7. Loading a card through an internal transfer cost of transfer
8. Loading/unloading cards in mBank CompanyNet (loading/unloading 0.5%

based on a loading file) – % of the loaded/unloaded amount

b) abroad PLN 50.00
11. Card insurance:

a) against unauthorised use of the card no fee
b) against loss of money withdrawn from an ATM no fee
12. Access to the On-line Prepaid Cards Service for card users no fee
13. Maintaining a Prepaid account to handle cards for the Client no fee
15. Creating – on the basis of information provided by the Client – an electronic data file in a required format
necessary to place:
a) mass cards instructions: orders for personalised cards, card personalisation or PLN 20.00
data modification (for every 100 items of an instruction)
b) mass cards instructions other than those referred to in point a (for every 100 items of an instruction) PLN 10.00
16. Preparing and making available, in the form of an electronic file, a report on mass cards instructions PLN 10.00
17. Change the account for commissions or fees or refunds for inactive Prepaid cards PLN 200.00
(regardless of the number of cards)
NOTE to points 15 – 17
We calculate and charge the fee once a month as part of “periodical settlement”.
18. Change the program code to inactive Prepaid cards PLN 200.00
18/40
10. Visa Profit Prepaid Card



b) at cash desks at domestic banks providing the service 3%, min. PLN 7.00
7. Loading/unloading cards in mBank CompanyNet (loading/unloading based on a loading file) 0.5%

– % of the loaded/unloaded amount
8. Issuing and submitting a copy of a document confirming a domestic transaction PLN 20.00
13. Creating – on the basis of information provided by the Client – an electronic data file in a required format
necessary to place:
b) mass cards instructions other than those referred to in point a PLN 10.00
(for every 100 items of an instruction)
15. Change the account for fees and commissions for inactive Prepaid cards PLN 200.00
(plus currency conversion costs)
11. Visa Business Prepaid Contactless Card




19/40
b) abroad PLN 50.00
13. Preparing and producing cards with a bespoke pattern designed by the Client – the front negotiable
and back side of the card (Co-brand Card) – depending on the volume of the cards ordered
15. Creating – on the basis of information provided by the Client – an electronic data file
in a required format necessary to place:
17. Change the account for commissions or fees or refunds for inactive Prepaid cards (regardless of the number of cards) PLN 200.00
NOTE to points 15-17

12. Visa Profit Prepaid Contactless Card




14. Creating – on the basis of information provided by the Client – an electronic data
file in a required format necessary to place:
20/40
13. Mastercard Business Prepaid Contactless Card
1. Issuing a card with the Client’s print – the front of the card PLN 35.00





b) abroad PLN 50.00
13. Enabling the Client to order picture cards (personalized front side of the card designed PLN 400.00
by the Client (Picture Card)
18. Change the account for commissions or fees or refunds for inactive Prepaid cards PLN 200.00
14. Mastercard Profit Prepaid Contactless Card
1. Issuing a card with the Client’s print – the front of the card PLN 20.00
21/40




12. Enabling the Client to order picture cards (personalized front side of the card designed PLN 400.00
by the Client (Picture Card)
E. Package for Small and Medium-sized Enterprises14 / 15
SME Package
SME Package SME Package SME Package
Type of commission / fee “Pakiet
“Pakiet rozwój” “Pakiet świat” eCommerce
równowaga”
For the first two

accounts jointly
PLN 25.00
Administration of an account PLN 90.00 PLN 140.00 PLN 50.00
For every
(according to Section I.A. point 3) (monthly) (monthly) (monthly)
subsequent account
PLN 19.00
(monthly)
Open cash withdrawal in PLN at a post office16 PLN 22.00
Failure to timely collect a requested open cash

withdrawal at a post office for reasons on the part PLN 7.00
of the Client16
14 Package for small and medium-sized enterprises is offered only to clients who are Polish residents.
15 We offer the Growth (“Rozwój”), Balance (“Równowaga”) and World (“Świat”) Packages to Clients who concluded a Bank Account Agreement on or after 30 September
2019. We offer the eCommerce package only to Clients who sell online as part of their business and who concluded the Bank Account Agreement after the Package
was introduced into the Bank’s offer.
16 The fee is quoted net, VAT exclusive
22/40
SME Package
SME Package SME Package SME Package
Type of commission / fee “Pakiet
“Pakiet rozwój” “Pakiet świat” eCommerce
równowaga”
mBank CompanyNet – internet banking system
Using mBank CompanyNet (basic transaction

module) and any two additional modules
no fee
of mBank CompanyNet – per module as part
of every system context
Using the third or next additional module

of mBank CompanyNet – per module as part PLN 30.00 (monthly)
of every system context
Monthly fee for system users: a) no fee

according according according
a) 4 and less b) PLN 10.00
to the Tariff to the Tariff to the Tariff
b) more than 4 (per user)
Using the FX mPlatform no fee
PLN transfer – debiting a PLN account – instructed

15 transfers monthly 50 transfers monthly
via the electronic banking system (according
free of charge free of charge
to Section I.A. point 16)
PLN 0.95 PLN 0.95
and
PLN 0.99 (for every transfer) (for every transfer) PLN 0.50
SEPA Credit Transfer /Single Euro Payments Area/
(for every (for every
in EUR submitted via the electronic banking
subsequent transfer) subsequent transfer)
system (according to Section I.B. point 7)
International transfer or a transfer in a foreign

currency from another domestic bank
to the Client holding an account with the Bank,
with a specified cost option – BEN or SHA (costs
no fee
of the Bank should be covered by the beneficiary)
and settled by the Bank automatically (without
the Bank’s manual interference) (according
to Section I.B. point 1a)
PLN transfer to the Client’s account in foreign

currency held with the Bank or a foreign currency
transfer to the Client’s account with the Bank,
PLN 5.00 (for every transfer)
booking in the beneficiary’s account is made
on the following business day for the Bank
at the latest (according to Section I.B. point 2a)
0.25% min. PLN 25.00

max PLN 65.00
(of the transfer
International transfer in a foreign currency amount)
or transfer in a foreign currency to an account according according + additional telecom- according
held with another domestic bank (value date to the Tariff to the Tariff munications costs to the Tariff
for the beneficiary’s bank D+2 and D+1 (SWIFT) in accord-
ance with Section XII
“Lump sum telecom-
munications fees”
Readiness to provide MT940/MT941/MT942/MT950

PLN 10.00 (monthly)
statements (from all accounts)
Issuing a VISA Business Debit payWave card no fee
Using a Visa Business payWave card PLN 5.00 (monthly)
Withdrawing cash by Visa Business payWave

card at ATMs operated by:
PLN 1.50
Planet Cash (for every
transaction)
PLN 3.00
Euronet (for every
transaction)
0,1 % min. PLN 5,00

Depositing cash using a Visa Business payWave according according according
(of the single
debit card in a cash deposit machine to the Tariff to the Tariff to the Tariff
deposited amount)
Service activation and access to the mBank according according according PLN 90.00
CompanyConnect Classic software to the Tariff to the Tariff to the Tariff (one-off fee)
23/40
Type SME Package
SME Package “Pakiet równowaga” SME Package “Pakiet świat” SME Package eCommerce
of fee „Pakiet rozwój”
1/ if the total monthly volume

1/ if the Client makes more than 1/ if the total monthly volume
of foreign exchange
15 transfers ordered using the of transactions made
transactions made by the
electronic banking system per using the Paynow service
Clients on the FX mPlatform
month, 50% of the fee will be exceeds PLN 100,000,
exceeds PLN 50,000, 50%
reimbursed (the reimbursement 50% of the fee is refunded
of the fee is refunded (in the
will be made next month) (in the following month)
following month)
2/ if the total monthly volume

2/ if the Client makes more than 2/ if the total monthly volume
of foreign exchange
30 transfers ordered using the of transactions made
transactions made by the
electronic banking system per using the Paynow service
Package Client on the FX mPlatform
month, 100% of the fee will be exceeds PLN 200,000,
fee n/a exceeds PLN 100,000, 100%
reimbursed (the reimbursement 100% of the fee is refunded
refund of the fee is refunded (in the
will be made next month) (in the following month)
following month)
The volume of transactions on the FX

mPlatform referred to in items 1 and
2 is expressed in PLN; the calculation
Transfers ordered using the
includes transactions in the base The Client must conclude
electronic banking system as per
currency, transactions in currencies a Paynow service agreement
items 1 and 2 mean PLN transfers
other than PLN are converted at the with the Bank
and SEPA credit transfers.
fixing rate of the National Bank
of Poland (NBP) prevailing on the
transaction date.
F. Other Account Service
1. Issuing a bank reference or an account balance statement

a) instruction placed via mBank CompanyNet and provided to the Client, as requested:
■ via mBank CompanyNet or via email PLN 30.00
■ by mail or in the Bank’s branch PLN 100.00
b) instruction placed via a channel other than mBank CompanyNet and provided to the Client,
as requested:
■ via mBank CompanyNet PLN 100.00
NOTE
The fee includes VAT (23%).
2. Issuing a bank account transfer confirmation PLN 30.00
3. Sending a copy of a transaction confirmation by fax PLN 10.00
4. Making a copy of the account statement – per page PLN 10.00
NOTE
We do not collect the fee in the following cases:
a) interest accrued was the only transaction in the account in the period covered by the statement,
b) the copy is issued by order of a court or a prosecutor’s office for proceedings in criminal cases, criminal tax cases, alimony cases, or alimony
pension cases.
5. Closing an account PLN 100.00
NOTE
We collect the fee if the Client terminates the bank account agreement or if the bank account agreement is terminated by mutual consent
of the parties.
6. Issuing a certificate authorising its holder to export foreign currency PLN 20.00
7. Filing a new or changing the Specimen Signature Card to the bank account agreement PLN 50.00
8. Accepting a power of attorney to administer funds held in the account PLN 500.00
in order to secure claims of a third party (if objective of the power of attorney arises from its content)
9. Authenticating signatures put on behalf of the Client PLN 10.00
10. Accepting and executing an instruction to freeze funds held in the account to secure agreements
concluded by the Client
a) with the Bank no fee
b) with other entities PLN 4,000.00
11. Registering a lien on receivables from the Client’s account to secure a third party’s claim PLN 500.00
24/40
12. Readiness to provide MT940/MT941/MT942/MT950 statements PLN 50.00
(from all accounts) via electronic banking systems or SWIFT (per month)
13. Retrieval of an archived MT940 statement (from one day, from all accounts)
provided via electronic banking systems
a) for the period of 30 days prior to the date of submitting a request for archived statements no fee
b) for the period exceeding 30 days prior to the date of submitting PLN 100.00
the request for archived statements (per file)
NOTE
The maximum amount of the one-off fee for retrieving archived MT940 statements is PLN 3,000.00 regardless of the number of files.
14. Retrieval of an archived MT940/MT950 statement (from one day, from all accounts) provided via SWIFT PLN 100.00
NOTE
The maximum amount of the one-off fee for retrieving archived MT940/MT950 statements is PLN 3,000.00 regardless of their number.
15. Changes in the parameterization of SWIFT MT940/MT941/MT942/MT950 statements PLN 50.00

provided via electronic banking systems or SWIFT
16. Activation or deactivation of electronic statements in the MT940 / MT942

formats provided via mBank CompanyNet
a) by the Client’s administrator no fee
b) by the Bank’s employee on the basis of the Client’s instruction PLN 50.00
17. A single MT940 statement delivered to a single specified BIC address via SWIFT PLN 12.00
18. Providing access to the account from abroad (submitting orders in the form of SWIFT MT101 messages) PLN 500.00
19. Using the service of placing orders in the form of SWIFT MT101 messages PLN 100.00 (per month)
20. Rejection by the Bank of an instruction in the form of SWIFT MT101 message PLN 10.00
confirmed by a SWIFT message
21. One-time compilation and delivery in an electronic form of:

a) a copy of standard reports made available in electronic banking systems PLN 20.00
including card-related reports, subject to point b
b) a copy of standard reports made available in electronic banking systems PLN 30.00
concerning transfers processed or rejected within Mass Payment / Mass Payment Plus service
c) non-standard reports generated by the Bank’s systems, including card-related reports negotiable,
– depending on the complexity of a report min. PLN 200
NOTE
We calculate the fee for each report and charge it collectively once a month as part of “periodical settlement”.
22. Reports’ adjustment in accordance with the Client’s specifications negotiable

and developing the option to access them via electronic banking systems
23. Seizure of an account by order of an enforcement authority – PLN 200.00

per seizure order, we charge the fee upon full repayment of the seized amount,
on top of transfer fees
24. Issuing a confirmation of a surplus/shortage of cash in a closed deposit and providing it to the Client,
as indicated by him:
a) via the electronic banking system PLN 10.00
b) in paper form PLN 30.00
II. Bills of Exchange/Promissory Notes
1. Presentation of a bill/note for payment:

a) discounted by the Bank PLN 40.00
b) other – % of the bill/note amount 0.2%, min. PLN 60.00
max. PLN 400.00
2. Sending a bill/note for collection – % of the bill/note amount 0.2%, min. PLN 100.00
max. PLN 500.00
3. Protesting a bill/note
a) issued in the Polish language PLN 40.00
b) issued in another language PLN 150.00
NOTE
We charge the fee separately, on top of the reimbursement of the Bank’s cost of the protest, translation, and postal fees.
The Bank does not have drafts and promissory notes for import collection protested by a notary, in accordance with Section VIII.3.
4. Aval (guarantee) as per Section VI
25/40
III. Loans
1. Analysing documents in order to grant a credit-risk-bearing product – % of the product amount 0.1%, min. PLN 500.00
2. Granting a loan – % of the loan amount, loan increase amount, extended loan amount
a) for non-revolving loans – charged once max. 3%, min. PLN 3,000.00
b) for revolving loans – charged once or annually 2% p.a., min. PLN 2,000.00
3. Issuing a credit promise – charged on the promise amount min. PLN 1,000.00
4. Compensation for withdrawing from the terms and conditions of a credit promise min. PLN 1,000.00
– charged on the promise amount
5. Commission on prepayment of a loan – % of the loan amount 2.5%
NOTE
We charge the commission for non-revolving loans on the amount prepaid before the due date set in the repayment schedule in the agreement.
6. Commission for early termination of the agreement – % of the loan amount 2.5%
NOTE
We charge the commission for revolving loans on the loan amount granted.
7. Unused loan amount – from the disbursement day to the final date of using the loan 5% p.a.
8. Administrative commission17 max. 5% p.a.
9. Missing inflows to the Client’s account(s) required under the loan agreement 0.1% (quarterly)
– % of the loan or debt amount18
NOTE
We charge the commission for:
a) revolving loans – on the loan principal,
b) non-revolving loans – on the debt amount.
10. Amending the loan agreement (amendment):

a) in the scope of loan repayment schedule or dates of releasing loan tranches PLN 1,500.00
and other amendments
b) in the scope other than loan repayment schedule or dates min. PLN 1,000.00
of releasing loan tranches
11. Failing to submit, within the deadline set in the Regulations on Providing Credit Risk PLN 1,000.00
Bearing Products, the documents specified in these Regulations and in the loan agreement18
12. Issuing a certificate of repayment of a loan in PLN/foreign currency

a) completed this year PLN 60.00
b) completed in previous years PLN 80.00
13. Credit contract statements:

a) electronic statements no fee
b) paper-based statement PLN 25.00
NOTE
We calculate the fee for each paper-based statement and charge it collectively once a month as part of “periodical settlement”.
Additionally, at the Client’s request:
c) copies of statements PLN 30.00
NOTE
We calculate the fee for each copy and charge it collectively once a month as part of “periodical settlement”.
Copies of credit contract statements are delivered in one form, selected by the Client.
14. Instruction to disburse a loan submitted by the Client to the Bank not in a form PLN 100.00
of a “Loan Disbursement” order in mBank CompanyNet
NOTE
We do not charge the fee for an instruction to disburse a loan for financing technological investment.
Loan disbursement transfers ordered by the Client incur the same fees as bank account transfers.
15. Instruction to repay a loan submitted by the Client to the Bank not in the form PLN 100.00
of a “Loan Repayment” order in mBank CompanyNet
17 Commission for administering and servicing the loan, calculated on the amount of the Bank’s exposure arising from the loan as at the calculation date indicated in the
loan agreement
18 In the case of an Umbrella Facility, the commission is charged from the Client1
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IV. Multi-product limits
1. Analysing documents in order to grant a credit-risk-bearing product – % of the limit amount 0.1%, min. PLN 700.00
2. Granting a limit – % of the granted limit, % of the limit increase, 2% p.a.

of the extended limit amount, charged once or annually
3. Early termination of the framework agreement – % of the amount of the granted limit min. 2%
4. Unused limit amount – from the date the limit is made available to its expiry date 5% p.a.
5. Administrative commission19 max. 5% p.a.
6. Amendments to the framework agreement:

a) in the scope of loan repayment schedule or dates of releasing loan tranches and other amendments min. PLN 1,500.00
b) in the scope other than loan repayment schedule or dates of releasing loan tranches min. PLN 1,000.00
7. Issuing a certificate of repayment/expiry of all products granted within the limit

a) completed this year PLN 60.00
b) completed in previous years PLN 80.00
8. Missing inflows to the Client’s account(s) required under the framework agreement 0.1% (quarterly)
– % of the Limit amount20
Bearing Products, the documents specified in these Regulations and in the loan agreement20
V. Trade Finance
Discount of trade receivables, Electronic discount of receivables
1. Analysis of documents in order to grant a product (a fixed amount or % of the requested limit amount) negotiable
2. Granting a limit – charged once (a fixed amount or % of the requested limit amount negotiable
3. Unused limit amount / commitment fee – % of unused limit amount negotiable
4. Amount of a purchased receivable negotiable
5. Administrative commission21 negotiable, max. 5% p.a.
Financing of suppliers
2. Granting a limit – charged once or annually (a fixed amount or % of the requested limit amount) negotiable
3 Unused limit amount / commitment fee – % of unused limit amount negotiable
Financing of recipients
2. Granting a limit – charged once or annually (a fixed amount or % of the requested limit amount) negotiable
Payment for liabilities, Electronic repayment of liabilities
a) Reverse factoring. Electronic reverse factoring22
19 Commission for administering and servicing the limit, calculated on the amount of the Bank’s exposure arising from the limit as at the date of calculation indicated in
the framework agreemend.
20 In the case of a Multiproduct Umbrella, the commission is charged from the Client1
21 Commission for administering and servicing a credit-risk-bearing product of the bank, calculated on the amount of the Bank’s exposure arising from the product as at
the date of calculation indicated in the product agreement
22 This form of the product is offered in exceptional cases only. Restricted offer
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2. Granting a limit – charged once or annually (a fixed amount or % of the requested limit amount negotiable
4. Amount of a paid liability negotiable
b) Loan for liabilities, Electronic loan for liabilities
1. Analysis of documents in order to grant a loan (a fixed amount or % of the requested loan amount) negotiable
2. Granting a loan – charged once or annually (a fixed amount or % of the requested loan amount negotiable
3. Unused loan amount / commitment fee – % of unused loan amount negotiable
4. Amount of an executed Order negotiable
6. Missing inflows to the Client’s account(s) required 0.1% (quarterly)

under the loan agreement – % of the loan or debt amount
NOTE
We charge the commission for:
a) revolving loans – on the loan principal,
b) non-revolving loans – on the debt amount.
Bearing Products, the documents specified in these Regulations and in the loan agreement
Discount of bills of exchange, Forfaiting
2. Granting a line facility - charged once or annually(a fixed amount or % of the granted line amount) negotiable
3 Unused line facility amount / commitment fee – % of unused line facility amount negotiable
4. Bill/note amount negotiable
NOTE
The fees specified in Section III of this Tariff apply accordingly to amendments, certificates, statements and instructions under trade finance
agreements.
The fees and commissions for discount of trade receivables, electronic discount of receivables, financing of suppliers, financing of recipients,
reverse factoring in the form of: payment for liabilities and electronic payment of liabilities and in the form of: a loan and an electronic loan do not
include VAT.
VAT will be added to the amount of the fee and commission for discount of trade receivables, electronic discount of receivables, financing
of suppliers, financing of recipients, reverse factoring in the form of payment for liabilities and electronic payment of liabilities in the amount
resulting from applicable law.
VAT will not be added to the amount of the fee and commission for reverse factoring in the form of: a loan and an electronic loan.
VI. Guarantees, Counter-guarantees, Sureties, Stand-by Letters of Credit
1. Front-end fee for processing an order:

a) to issue a guarantee, counter-guarantee, surety or to open a stand-by letter of credit negotiable,
– % of the transaction amount min. PLN 500.00
b) to change the amount of a guarantee, counter-guarantee, surety or a stand-by negotiable,
letter of credit or to extend the validity period of a guarantee, counter-guarantee, min. PLN 500.00
– % of the change amount or of the remaining balance amount accordingly
c) to make a change other than specified in point 1b PLN 500.00
2. Handling a paper-based order PLN 250.00
3. Amendment to guarantee agreement PLN 500.00
4. The Bank’s exposure in respect of an issued guarantee, counter-guarantee, surety, stand-by 0,5%,
letter of credit or confirmation of a non-mBank guarantee or a stand-by letter of credit min. PLN 250.00
– % of the exposure amount, for every commenced period of three months
28/40
5. Administrative commission24 negotiable
6. Handling a claim under a guarantee PLN 500.00
NOTE
We do not charge a fee if the claim is paid
7. Payment of a claim under a guarantee, counter-guarantee or stand-by letter of credit 0.2%, min. PLN 500.00
issued by the Bank – % of the paid amount
8. Handling the assignment of rights under a guarantee PLN 500.00
9. Issuing a bank guarantee in hard copy PLN 500.00
10. Advising the Client of / accepting for deposit a guarantee / a change in a non-mBank guarantee 0.2%, min. PLN 250.00,
or a stand-by letter of credit – % of the guarantee amount or the stand-by letter of credit amount max. PLN 500.00
11. Changing the terms and conditions of a confirmed non-mBank guarantee or a stand-by letter of credit PLN 500.00
12. Issuing an opinion on or negotiating the terms and conditions (and templates) of a guarantee PLN 1,000.00
13. Assistance in claim settlement or consulting claim content under a non-mBank guarantee PLN 500.00
14. Confirmation of the Client’s signatures on a claim under a non-mBank guarantee PLN 250.00
or other correspondence (we charge the fee on top of the fee for generating and sending a SWIFT message)
15. Obtaining a confirmation of authenticity of a non-mBank guarantee upon the Client’s request PLN 250.00
16. Acting as intermediary in delivering correspondence regarding PLN 250.00

non-mBank guarantees not handled by the Bank
17. Missing inflows to the client’s account(s) required 0.1% (quarterly)

under the guarantee agreement – % of the commitment amount
18. Failling to submit, within the deadline set in the Regulations on Providing Credit Risk PLN 1,000.00
Bearing Products, the documents specified in these Regulations and in the guarantee agreement
19. Sending the documentation on a guarantee by courier to recipients in Poland PLN 25.00
(a lump sum fee, point 10 c of the General Provisions of the Tariff does not apply)
20. Issuing a guarantee duplicate PLN 250.00
NOTE
We determine fees and commissions for operations not listed in this section related to handling (mBank/non-mBank) stand-by letters of credit
in accordance with relevant provisions of Section VII.
VII. Letters of Credit
A. mBank Documentary Letters of Credit
1. Front-end fee for processing an order:

a) to open a letter of credit – % of the letter of credit amount negotiable, min. PLN 250.00
b) to increase the amount of a letter of credit – % of the increase amount negotiable, min. PLN 250.00
c) to extend a letter of credit – % of the remaining balance negotiable, min. PLN 250.00
3. Amendment to the agreement on opening or securing a letter of credit PLN 500.00
4. Cancelling an order to open a letter of credit or to introduce amendments PLN 250.00
5. The Bank’s exposure in respect of opening a letter of credit (% of the letter of credit amount) or increasing
the letter of credit amount (% of the increase amount) for each commenced period of 3 months, in the case of:
a) pre-paid letter of credit 0.20%, min. PLN 250.00
b) letter of credit secured otherwise, as agreed with the Bank negotiable, min. PLN 250.00
NOTE
We charge the commission for successive periods based on the remaining balance of the letter of credit.
6. Changing the terms and conditions of a letter of credit otherwise than as indicated in point 1b and 1c PLN 250.00
NOTE to points 5 and 6

We change only one (the highest) commission when several terms and conditions of a letter of credit are amended at the same time.
24 Commission for administering and servicing a credit-risk-bearing product of the bank, calculated on the amount of the Bank’s exposure arising from
the product as at the date of calculation indicated in the product agreement
29/40
7. Administrative fee25 negotiable
8. The Bank’s exposure in respect of deferred payment under an open letter of credit
– % of the payment amount for every commenced one-month deferral period, under a letter of credit:
a) pre-paid 0,20%, min. PLN 250.00
b) secured otherwise, for each commenced one-month deferral period negotiable, min. PLN 250.00
9. Examining documents or payment or acceptance of a bill of exchange 0.2%, min. PLN 250.00
under an mBank letter of credit – % of the documents/payment/bill of exchange amount
10. Endorsing documents or authorising the collection of goods when the transport documents PLN 250.00
or insurance policy are issued/endorsed to the Bank
11. Transferring a letter of credit to secondary beneficiaries – % of the transfer amount 0.25%, min. PLN 250.00
12. Cancelling or writing down a fully unused letter of credit PLN 100.00
13. Presenting discrepant documents – fee paid by the beneficiary/foreign bank EUR 100.0026
14. Drafting a letter of credit/an amendment based on an order submitted PLN 350.00
to the Bank and saving the draft in the Bank’s records for 30 calendar days
15. Product-related advisory on setting the terms and conditions of opening or amending a letter of credit PLN 1,000.00
16. Sending documents to an address other than that of the person ordering a letter of credit PLN 50.00
B. non-mBank Documentary Letters of Credit
1. Advising the Client of a letter of credit (% of the letter of credit amount) 0.1%, min. PLN 250.00,
or increasing the amount of a letter of credit (% of the increase amount) max. PLN 500.00
2. The Bank’s exposure in respect of confirming a letter of credit (% of the letter of credit amount negotiable
or the remaining balance) or increasing a confirmed letter of credit (% of the increase min. PLN 500.00
amount) – for every commenced period of 3 months, depending on the opening bank
3. Advising the Client of an amendment to the terms and conditions of a letter PLN 250.00
of credit other than amount increase
NOTE to points 1-3

We change only one (the highest) commission when several terms and conditions of a letter of credit are amended at the same time.
4. Examining documents or payment under the letter of credit – % of the documents or payment amount 0.2%, min. PLN 500.00
5. Sending documents without prior examination (applies to non-confirmed letters of credit) 0.2%, min. PLN 250.00
– % of the documents or payment amount max. PLN 1,000.00
6. Presenting discrepant documents – the fee is always paid by the beneficiary PLN 250.00
7. The Bank’s exposure in respect of deferred payment under a confirmed letter of credit negotiable,
(on top of fees in point 4) – depending on the opening bank, % of the exposure amount, min. PLN 200.00
for every commenced period of 1 month
8. Payment deferral under a non-confirmed letter of credit (on top of fees in point 4) PLN 250.00
9. Initial examination of a set of documents or a single document

■ per each set of documents PLN 500.00
■ per each single document PLN 100.00
(regardless of the above, a commission
for the final examination can be charged
in line with point 4)
10. Transferring a letter of credit to secondary beneficiaries – % of the transfer value 0.25%, min. PLN 250.00
NOTE
We collect the fee from the primary beneficiary unless agreed otherwise.
11. Transferring proceeds from a letter of credit to the Bank or other indicated entity PLN 200.00
12. Transferring money to another bank:

■ in PLN PLN 50.00
■ in a foreign currency PLN 100.00
13. Depositing (registering) a letter of credit submitted by the Client to the Bank 0.1%, min. PLN 250.00
max. PLN 500.00
26 – or its equivalent in another currency
30/40
14. Cancelling or writing down a fully unused letter of credit PLN 100.00
15. Making photocopies of documents submitted under a non-mBank letter of credit PLN 50.00
(if the Client does not submit additional copies of the documents)
16. Product-related advisory on setting the terms and conditions of a non-mBank letter of credit PLN 1,000.00
C. Other activities performed in connection with handling mBank or non-mBank documentary letters of credit
1. Preparing and sending information not related to amendments to the terms negotiable
and conditions of a letter of credit, including payment monitoring min. PLN 50.00
2. Sending a document/documents to replace or supplement a previously sent set of documents PLN 50.00
3. Returning/sending unaccepted or unpaid documents to the beneficiary/intermediary bank PLN 50.00
4. Renewing an expired mBank or non-mBank letter of credit (together with a commission PLN 100.00
for amendments or for exposure arising from letters of credit or for discrepant documents)
5. Retrieving a document/documents regarding completed transactions from the Bank’s archive PLN 200.00
6. Sending bank information or scanned documents to the Client via email PLN 25.00
7. Missing inflows to the client’s account(s) required 0.1% (quarterly)

under the documentary letter of credit agreement – % of the commitment amount
8. Failling to submit, within the deadline set in the Regulations on Providing Credit Risk Bearing PLN 1,000.00
Products, the documents specified in these Regulations and in the documentary letter of credit agreement
VIII. Documentary Collection
1. Advising the Client of documentary collection PLN 150.00
2. Delivering documents against payment, acceptance of a bill of exchange 0.2%, min. PLN 250.00
or issuance of a promissory note – % of the collected amount max. PLN 1,250.00
3. Handling bills/notes (including presenting a bill of exchange for acceptance PLN 150.00
or receipt of a promissory note or secure storage of bills/notes.
This does not include the notarial protest of bills/notes whose execution is not ordered by the Bank)
4. Executing a partial payment (starting from the second payment) PLN 50.00
5. Sending commercial or financial documents for collection 0.2%, min. PLN 250.00
– % of the value of documents max. PLN 1,250.00
6. Preparing and sending information not related to amendments to the terms and conditions negotiable
of documentary collection, including payment monitoring min. PLN 50.00
7. Transferring money to another bank

■ in PLN PLN 50.00
■ in a foreign currency PLN 100.00
8. Returning uncollected documents PLN 100.00
NOTE
If the payment is collected only with respect to a part of the documents sent under one collection order, we charge both the commission
on the collected amount and the fee for returning uncollected documents.
9. Changing the collection instruction, including the issue of documents, a bill or a note without payment PLN 150.00
10. Assignment or endorsement of loading documents PLN 250.00

(if the loading documents are addressed to the Bank)
NOTE
We charge the fee regardless of the commission for delivering documents against payment, acceptance of a bill of exchange or issuance
of a promissory note.
11. Handling a collection package, including the activities indicated in points 1-10 (we charge PLN 650.00
courier delivery and telecommunication fees and the commission for a paper-based order separately)
13. Non-standard collection services:

■ sending documents to an address other than the collection payer’s address PLN 100.00
31/40
■ accepting a collection order placed after 1:00 pm for execution on the same day but no later than PLN 100.00
by 2:00 pm (we charge the commission regardless of the fees and commissions indicated in points 1-10)
■ sending a fax at the Client’s request PLN 10.00
■ preparing and sending explanatory correspondence PLN 100.00
■ assistance in preparing a bill/note PLN 100.00
■ sending bank information or scanned documents to the Client via email PLN 25.00
IX. Custody Services
1. Maintaining a securities account, a deposit account and registers – monthly fee PLN 35.00
2. Custody of debt securities registered outside the KDPW S.A. (T-bills, monetary bills, mBank certificates negotiable
of deposit, securities for which the Bank is the payment agent) – monthly fee depending on the nominal
value of securities recorded in a securities account, a deposit account, and registers as at the end
of individual calendar days
3. Custody of debt securities registered with the KDPW S.A. (T-bonds, other debt securities) 0.04% p.a.
– monthly fee based on the market value of securities registered in a securities account,
a deposit account, and registers as at the end of individual calendar days
4. Custody of equity securities registered with the KDPW S.A. – monthly fee based on the market value 0.2% p.a.
of securities registered in a securities account, a deposit account, and registers as at the end
of individual calendar days
5. Custody of securities registered abroad – monthly fee based on the market value of securities 0.028% p.a.
registered in a securities account, a deposit account, and registers as at the end of individual calendar days
6. Settlement of transactions concluded with the Bank no fee
7. Settlement of transactions concluded with entities other than the Bank PLN 100.00
– per each transaction, calculated and collected on a monthly basis
8. Settlement of transactions involving securities registered abroad concluded with entities PLN 220.00
other than the Bank – per each transaction, calculated and collected on a monthly basis
9. Freezing securities for the benefit of the Bank – fee calculated and collected PLN 100.00
on the date of the securities’ freeze
10. Freezing securities for the benefit of entities other than the Bank PLN 500.00
– fee calculated and collected on the date of the securities’ freeze
11. Portfolio transfer – outgoing – per single item PLN 500.00
12. Portfolio transfer – incoming no fee
13. Delivering debt securities for which the Bank is the issue agent(in particular mortgage bonds) 10%
and certifying their authenticity – % of the nominal value of securities; the fee is collected upon the receipt
of securities (the fee is not applied in the case of documents that must be delivered under the terms
and conditions of the issue)
14. Other services not covered herein negotiable
NOTE
The fees are quoted net, VAT exclusive. VAT will be added to the amount of the fee and commission in the amount resulting from applicable law.
Monthly custody fees are calculated on the basis of the value of securities registered in a securities account, a deposit account, and registers
as at the end of individual calendar days.
The fee for cancelling an instruction is charged in the same amount and under the same rules as the fee for executing the original instruction.
Except for the fees charged by the depositary listed in this section, other fees and commissions may be charged by brokerage bureaus, brokerage
houses and central depositories (in particular, by Krajowy Depozyt Papierów Wartościowych S.A., the Central Register of Treasury Bills, foreign clearing
houses) and fees for the Mandatory Compensation Scheme.
X. Miscellaneous
1. Assessing commercial agreements, contract-related advisory, assistance in preparing 0.1%, min. PLN 2,000.00
documentation, trade finance transaction structuring (% of the contract value)
NOTE
The fee is quoted net, VAT exclusive.
2. Mediation in finding foreign trade partners PLN 100.00
3. Preparing an opinion or information about the Client:

a) standard opinion/information (issued on a standard bank form); instruction submitted
via mBank CompanyNet and provided to the Client, as requested:
32/40
b) standard opinion/information (issued on a standard bank form); instruction submitted
via a channel other than mBank CompanyNet and provided to the Client, as requested:
c) non-standard opinion/information (including information on creditworthiness); instruction
submitted via mBank CompanyNet and provided to the Client, as requested:
d) non-standard opinion/information (including information on creditworthiness); instruction
submitted via a channel other than mBank CompanyNet and provided to the Client, as requested:
NOTE
The fee includes VAT at 23%.
4. Preparing an opinion for an auditor:

a) on the Client’s bank accounts (including term deposits), PLN 400.00
instruction submitted via mBank CompanyNet
b) on the Client’s bank accounts (including term deposits) and other products, PLN 600.00
instruction submitted via mBank CompanyNet
c) on the Client’s bank accounts (including term deposits), PLN 800.00
instruction submitted via a channel other than mBank CompanyNet
d) on the Client’s bank accounts (including term deposits) and other products, PLN 1,000.00
instruction submitted via a channel other than mBank CompanyNet
NOTE
The fee includes VAT at 23%.
5. Supplementary cashier service

a) for domestic banks and their clients negotiable
b) for Clients – % of the value of each transaction 0.5%, min. PLN 15.00
NOTE
The fee is quoted net, VAT exclusive
6. Technical accessories for closed cash deposits and withdrawals

a) magnetic card for the night safe
■ first magnetic card PLN 10.00
■ each subsequent magnetic card PLN 30.00
b) secure envelopes:
Type Size Minimum number (package) Package price
Secure B5 envelope for banknotes with mBank’s logo 185 x 260+85 mm 10 pcs PLN 3.97
Secure B5 envelope for banknotes (without the logo) 185 x 260+85mm 10 pcs PLN 3.35
Secure B5 envelope for coins with mBank’s logo 185 x 260+85 mm 10 pcs PLN 6.25
Secure B5 envelope for coins (without the logo) 180 x 260+85mm 10 pcs PLN 8.39
Secure B4 envelope for banknotes with mBank’s logo 250 x 355+85 mm 10 pcs PLN 7.17
Secure B4 envelope for banknotes (without the logo) 250 x 355+85 mm 10 pcs PLN 5.79
Secure A3 envelope for banknotes with mBank’s logo 298 x 380+85 mm 10 pcs PLN 9.15
Secure A3 envelope for banknotes (without the logo) 298 x 380+85 mm 10 pcs PLN 5.79
Secure C3 envelope (without the logo) 330 x 470+35 mm 10 pcs PLN 6.87
Secure B1 envelope for coins (9 kg) 245 x 300 +110 mm (handle) 1 pc PLN 1.05
Secure B2 envelope for coins (15 kg) 400 x 465 +110mm (handle) 1 pc PLN 2.12
c) completing the order and courier services (additional fee to the order) PLN 18.00
NOTE
7. Using the following accessories to make closed cash deposits and withdrawals: regular fees plus 10%
a) wallet,
b) box,
c) key.
33/40
NOTE
8. Preparing a collective package for coins or banknotes PLN 30.00
NOTE
9. Issuing a duplicate copy of an agreement/transaction confirmation PLN 5.00

(at the Client’s request) – per one copy
10. Issuing a list of transactions (at the Client’s request) – per each transaction PLN 0.50
11. Issuing a list of operations in the Client’s accounts (at the Client’s request) PLN 10.00
12. Consolidated statement (monthly fee) PLN 10.00
NOTE
A consolidated statement includes balances of all bank accounts, a description of term deposits (excluding Auto Overnight – an automatic deposit
account, and Automatic Overnight Deposit) and the Client’s loans granted by the Bank. We issue consolidated statements on a monthly basis.
13. Paper-based appendices confirming transactions listed in a given bank statement PLN 150.00
NOTE
The fee is a lump sum collected once a month as part of “periodical settlement”.
14. Forwarding and verifying wire and SWIFT keys of other banks PLN 30.00
15. Making photocopies of documents for the Client at the Client’s request – per each photocopy page PLN 0.50
16. Processing a single “Consent to Debit the Account” form as part of PLN 5.00
the “Direct Debit Plus” service (we charge the fee to the payee who is the Bank’s Client)
17. Reporting and delivering, as agreed with the Client, a single “Consent to Debit the Account” PLN 5.00
form received from the payer’s bank (we charge the fee to the payee who is the Bank’s Client)
18. Reporting and delivering, as agreed with the Client, a single “Withdrawal of Consent to Debit the Account” PLN 1.00
form received from the payer’s bank (we charge the fee to the payee who is the Bank’s Client)
We charge the fee collectively once a month to an account specified by the Client.
19. Issuing the “Certificate on Granting or Changing PLN 100.00

the Payee Identification Number (NIW)” at the Client’s request
NOTE
We collect the fee from Clients who are non-residents. We use the Payee Identification Number for the purpose of executing settlements in PLN
under direct debit to identify the payee who is a non-resident (an entity that does not hold the Polish tax identification number (NIP))
20. Delivering a direct debit instruction to the bank of the payer (payment card user) PLN 1.00
related to the settlement of transactions carried out using
a payment card (according to a separate agreement between the Client and the Bank)
21. International transfer or transfer in a foreign currency from another domestic bank PLN 60.00
whereby the ordering party authorises the Bank to charge fees and commissions and
to debit their account (OUR option) – fee paid by the ordering party
22. Return of an international transfer or a transfer in a foreign currency PLN 200.00

from another domestic bank – fee paid by the ordering party
23. Cancelling an incoming SEPA Credit Transfer– fee paid by the ordering party PLN 20.00
24. Handling a request about the status of a SEPA Credit Transfer – fee paid by the ordering party PLN 20.00
25. Handling a request about correction of the value date of a SEPA Credit Transfer PLN 20.00
– fee paid by the ordering party plus interest cost
26. mBank InvoiceNet – online invoice presentment system

a) subscription fee for using the system without the Client’s company logo
■ for a Client who holds a current account/an auxiliary account with the Bank PLN 100.00
■ for a Client who does not hold a current account/an auxiliary account with the Bank PLN 200.00
b) subscription fee for using the system with the Client’s company logo
■ for a Client who holds a current account/an auxiliary account with the Bank PLN 200.00
■ for a Client who does not hold a current account/an auxiliary account with the Bank PLN 300.00
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c) granting access to the system to a new user PLN 50.00
NOTE
The subscription fee includes VAT at 23%. We charge the subscription fee in arrears for each commenced calendar month of the agreement validity period.
27. Disclosing recorded phone or electronic communication which resulted or may have resulted
in the Client entering into a transaction in financial instruments, from the period not exceeding one year
before the Client filed the request for disclosure of the recorded communication:
a) if the request pertains to records from a period not longer than one calendar month PLN 1,200.00
b) if the request refers to records from a period longer than one calendar month PLN 1,200.00 + PLN 900.00
for each subsequent commenced calendar month covered by the request
28. Disclosing recorded phone or electronic communication which resulted or may have resulted
in the Client entering into a transaction in financial instruments, from the period earlier than one year
before the Client filed the request for disclosure of the recorded communication:
a) if the request pertains to records from a period not longer than one calendar month PLN 2,400.00
b) if the request refers to records from a period longer than one calendar month PLN 2,400.00 + PLN 1,800.00
for each subsequent commenced calendar month covered by the request
XI. SME Packages Withdrawn from the Bank’s Offer
A. Flexible Package for Small and Medium-sized Enterprises offered until 27 September 2019
1. Using a flexible account, including: PLN 90.00 (per month)

■ standard administration of the account (as per Section I.A. point 3) and
■ granting access (and parameterization) to and using mBank CompanyNet
(basic transaction module)
2. Using a flexible account, in line with point 1 by at least two Clients related by capital PLN 75.00 (per month)
or organisation (through the owner / a co-owner / a shareholder)
3. Using a flexible account plus, including: PLN 140.00 (per month)

■ standard administration of the account (as per Section I.A. point 3) and
■ granting access (and parameterization) to and using mBank CompanyNet
(basic transaction module) and
■ Auto Overnight – automatic overnight deposit
4. Using a flexible account, in line with point 3 by at least two Clients related by capital PLN 125.00 (per month)
or organisation (through the owner / a co-owner / a shareholder)
NOTE
If administration of the account covers also the additional services listed in Section I.A. point 4 or 5, the monthly fee increases by PLN 140.00 or PLN
280.00 respectively.
5. Using any two additional modules of mBank CompanyNet no fee

– per module as part of every system context
6. Using the third or next additional module of mBank CompanyNet PLN 30.00 (per month)
– per module as part of every system context
NOTE
by the Bank after 27 October 2014 (excluding FX mPlatform and Business News module).
7. Using the mBank CompanyConnect service PLN 100.00 (per month)
8. Issuing a VISA Business Debit payWave card no fee
9. Using a VISA Business Debit payWave card PLN 5.00 (per month)
10. Withdrawing cash using a Visa Business Debit payWave card at Planet Cash ATMs PLN 1.00
11. Depositing cash using a Visa Business payWave debit card in a cash deposit machine of:
a) the Bank 0.1%, min. PLN 5.00
b) Euronet 0.1%, min. PLN 5.00
12. Issuing a VISA Business Debit payWave card (we charge the fee if the Client withdraws from the Agreement) PLN 30.00
13. Issuing a VISA Business payWave card PLN 50.00
14. Renewing a VISA Business payWave card PLN 50.00
35/40
15. Using a Visa Business payWave card PLN 10.00 (per month)
16. Issuing a Mastercard Corporate PayPass card PLN 50.00
17. Renewing a Mastercard Corporate PayPass card PLN 50.00
18. Using a Mastercard Corporate PayPass card PLN 10.00 (per month)
19. Transfer in PLN ordered in mBank CompanyNet:

a) from 1 to 50 transfers in PLN per month (per transfer) PLN 1.50
b) 51 or more transfers PLN per month (per transfer) PLN 1.00
20. Express Elixir express transfer in PLN – debited to the account PLN 6.00
21. Blue Cash express transfer in PLN – debited to the account PLN 6.00
22. SEPA Credit Transfer /Single Euro Payments Area (as per Section I.B. point 7)
a) from 1 to 50 SEPA transfers per month (for each transfer) PLN 1.50
b) 51 and more SEPA transfers per month (for each transfer) PLN 1.00
23. SEPA Credit Transfer to the Client’s bank account kept with the Bank no fee
B. SME Packages offered until 24 October 2014
1. SME Package Nowy EFEKT
1. Standard administration of an account (as per Section I.A. point 3) and granting access PLN 90.00 (per month)
(including parameterisation) to and using mBank CompanyNet (basic transaction module)
NOTE
If administration of an account also covers the additional services listed in Section I.A. point 4 or 5, the monthly fee increases by PLN 140.00 or PLN
280.00, respectively.
2. Using no more than two selected additional modules of mBank CompanyNet PLN 30.00 (per month)
– per each system context
3. Using three or four selected additional modules of mBank CompanyNet PLN 60.00 (per month)
4. Using more than four selected additional modules of mBank CompanyNet PLN 90.00 (per month)
NOTE
by the Bank after 27 October 2014 (excluding FX mPlatform and the Business News module).
5. Using the mBank CompanyNet Business News module PLN 30.00 (per month)
9. Withdrawing cash at Planet Cash ATMs using a Visa Business Debit payWave card PLN 1.00
11. Transfer in PLN ordered via mBank CompanyNet PLN 1.50
12. International transfer or transfer in a foreign currency from another domestic bank no fee
to a Client holding an account with the Bank (as per Section I.B. point 1)
13. Closed cash deposit in PLN to own account – % of the deposited amount
■ in the Bank’s branch 0.45%, min. PLN 30.00
■ in the sorting office/night safe 0.25%
NOTE
14. Closed cash deposit (banknotes) in the account currency (other than PLN) to own account
36/40
NOTE
15. SEPA Credit Transfer /Single Euro Payments Area (as per Section I.B. point 7) PLN 1.50
2. SME Package Nowy EFEKT Plus
1. Standard administration of an account (as per Section I.A. point 3) and granting access 140.00 (per month)
NOTE
If administration of an account covers also the additional services listed in Section I.A. point 2 or 3, the monthly fee increases by PLN 140.00 or PLN
NOTE
9. Withdrawing cash at Planet Cash ATMs using a Visa Business Debit payWave card PLN 1.00
17. Transfer in PLN ordered via mBank CompanyNet PLN 1.90
19. SEPA Credit Transfer /Single Euro Payments Area/ (as per Section I.B. point 7) PLN 1.90
20. Maintaining Auto Overnight – automatic overnight deposit account no fee
NOTE
NOTE
37/40
C. SME Packages offered until 5 May 2009
1. SME Package EFEKT
1. Standard administration of an account (as per Section I.A. point 3) and granting access PLN 90.00 (per month)
NOTE
NOTE
to a Client holding an account with the Bank (as per Section I.C. point 1)
NOTE
NOTE
16. Open cash withdrawal in PLN from own account, both subject and not subject to prior request, 0.35%
executed in a standard time limit in the Bank’s branch – % of the withdrawn amount min. PLN 30.00
NOTE
17. Open cash withdrawal in the account currency (other than PLN) from own account, 0.9%
both subject and not subject to prior request, executed in a standard time limit min. PLN 30.00
in the Bank’s branch – % of the withdrawn amount
NOTE
38/40
2. SME Package EFEKT Plus
1. Standard administration of an account (as per Section I.A. point 3) and granting access 140.00 (per month)
(including parameterisation) to and using mBank CompanyNet
(basic transaction module)
NOTE
NOTE
13. Access to the home banking system (per each installation) PLN 95.00 (per month)
14. Maintaining Auto Overnight – automatic overnight deposit account PLN 50.00 (per month)
15. Maintaining a securities account PLN 30.00 (per month)
NOTE
NOTE
19. Open cash withdrawal in PLN from own account, both subject and not subject to prior request, 0.35%
executed in a standard time limit in the Bank’s branch – of the withdrawn amount min. PLN 30.00
NOTE
20. Open cash withdrawal in the account currency (other than PLN) from own account both subject 0.9%
and not subject to prior request, executed in a standard time limit in the Bank’s branch min. PLN 30.00
– of the withdrawn amount
NOTE
39/40
XII. Lump sum telecommunications fees
FAX Fee in PLN for the first page: Fee in PLN for each additional page:
Fax – in Poland 3.00 2.00
Fax – abroad
■ Europe 7.50 2.50
■ Canada and USA 15.00 5.00
■ other countries 30.00 10.00
Fee in PLN for one message Fee in PLN for one message
SWIFT
normal priority high priority
Opening a letter of credit, granting a guarantee 30.00 50.00
International payment, documentary collection, other 6.00 10.00*)
*) does not apply to international payment
mBank S.A. with its registered office in Warsaw, ul. Prosta 18, 00-850 Warszawa, registered by the District Court
mBank.pl
for the Capital City of Warsaw, 13th Commercial Division of the National Court Register under
KRS number 0000025237, Tax Identification Number (NIP): 526-021-50-88, with the fully paid-up share capital,
which as of 1 January 2022 amounts to PLN 169.539.536
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Tariff Sme Corpo 01 06 2022

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Tariff Sme Corpo 01 06 2022

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Tariff of Banking

Fees and Commissions

2. The following terms used in the Tariff mean as follows:

a) Bank mBank S.A.;

A. Bank accounts and cash transactions

1. Opening an account for a Client (resident) no fee

2. Opening an account for a Client (non-resident) PLN 3,000.00

3. Account administration: PLN 140.00 (per month)

4. Account administration: PLN 280.00 (per month)

5. Account administration: PLN 420.00 (per month)

NOTE to points 1-5

additionally, at the Client’s request:

Type of deposit In the Bank’s branch In the sorting office/night safe

Open cash deposit (banknotes) in the account currency (other than

Closed cash deposit (banknotes) in the account currency (other than

Cash deposit (banknotes) in the account currency (other than PLN)

Additional commission on unsorted deposits 0.5% of the deposited amount

Type of withdrawal In the Bank’s branch In the sorting office

Failure to collect a requested cash withdrawal for reasons on the part

Accepting the following orders, submitted in paper or by fax:

15. Cash handling by the back office deposit machine:

16. PLN transfer – crediting the account:

17. PLN transfer – debiting a PLN account:

18. PLN transfer via SORBNET2 - debiting the account

21. Direct debit1

29. Access to the Collect service PLN 1,000.00

30. Access to the Mass Collect service negotiable

31. Providing Collect or Mass Collect mnemonics PLN 100.00

34. Preparation of a non-standard Mass Collect Agreement PLN 500.00

41. Maintenance of the total balance

Threshold of total balance

EUR 100,000 (|€STR| + 0.1 %) / 360 0.1 % / 360

CHF 100,000 (|SARON| + 0.1 %) / 360 0.1 % / 360

USD 100,000 (|SOFR| + 0.2%) / 360 0.2 % / 360

(|CZK 2W Repo Rate| + 1.5 %) /

(|DKK Danmarks Nationalbank

(|Sweden Repo Rate| + 0.5 %)

(|Norway Sight Deposit Rate|

HUF 1,000,000 (|BUBOR ON| + 0.5 %) / 360 0.5 % / 360

Currency/Rate Entity developing the rate Website 2

EUR – €STR – Euro Short-Term Rate European Central Bank https://www.ecb.europa.eu/

Česká národní banka

DKK – Danmarks Nationalbank CD rate

SEK – Sweden Repo Rate Sveriges Riksbank https://www.riksbank.se/

NOK – Norway Sight Deposit Rate Norges Bank https://www.norges-bank.no/

HUF – BUBOR ON Magyar Nemzeti Bank https://www.mnb.hu/

Value date for the

payment instruction in BGN, CAD, CHF, CZK, DKK,

4. International transfer in AUD, CNY, JPY and PLN 0.4%

5. Transfer order placed in a paper form – additional fee to point 3 and 4:

7. SEPA Credit Transfer /Single Euro Payments Area/ PLN 2.50

8. SEPA Credit Transfer Recall PLN 20.00

9. EuroEkspres Credit Transfer /Trans-European Automated PLN 45.00

C. Electronic banking systems

1. Home banking system

2. Internet banking system user training PLN 400.00 (one-off fee)

3. System access (for each installation) PLN 350.00 (per month)

2. mBank CompanyNet – internet banking system

1. Access to the system in accordance with the Client’s instruction no fee

2. Adding a new system user:

3. Modifying authorisations of a system user (regardless of the scope of the modification):

5. Monthly fee for system users: